Date Received: 2021-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have submitted numerous disputes to to the bureau 's to have this fraudulent collections account removed from my credit report because I have not contracted with them They/Midland credit management do not have my signature verbal or written
Company Response:
State: CA
Zip: 95060
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent my FTC identity report to this company and they sued me as well as still reporting these fraudulent accounts on my credit report.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern : A certified mail debt validation letter for was delivered to MIDLAND FUNDING on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. MIDLAND never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX investigated the debt to be inaccurate and deleted MIDLAND FUNDING. XXXX and XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello I have been contacting this company regarding removing the dispute I placed on that account and report that I am no longer disputing the account. They will not remove the dispute until I pay it in full. The representative said I had to pay today in full and that nobody was available from that department to help me. This dispute is hindering me from obtaining a mortgage. Please help.
Company Response:
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company calls themselves Midland Credit. They keep calling about a credit card account in the amount of over {$500.00} that they claim I owe from 10 years ago. I have repeatedly asked for them to send me validation of this debt because I don't recall anything about it. But they just keep sending bills which is NOT proof of the supposed underlying debt. As of lately, they call ALL the time. They just dialed my phone 5 TIMES within 1 minute. When I called back, the person I spoke to was aggressive and insulting and I had to hang up on him because he just kept saying they have validated this debt which they never have. I gave him my current mailing address to send validation, but they never do. I'm tired of being HARASSED by these people. Please help! XXXX
Company Response:
State: CA
Zip: 95993
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt that was sold from XXXX XXXX Card Services, financed by XXXX, to Midland Credit Management Inc was {$6300.00}. Midland Credit Management Inc is now trying to collect {$6500.00} for the debt. After speaking numerous times regarding the balance being inaccurate, Midland Credit Management refuses to change the balance. At one point this debt collector attempted to bring me settle via legal arrangement and their own legal defense dismissed the case. Also, this debt collector is claiming that I have made payments towards the account and refuse to provide me with proof of the payments and the source of the payment. After other multiple attempts to reach out to this debt collector regarding this information, they continue to rudely speak to me and refused to provide me any documentation related to these " payments '' that was never made. I have also submitted a dispute with XXXX Credit Agency under file number : XXXX.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was paid with the agreement that it would be deleted from my credit. This account is with XXXX XXXX that was transferred to Midland credit to recover collection. This account still shows on my credit report and this account was paid back in XX/XX/2021. Account number for XXXX XXXXXXXX XXXX Please remove as agreed on.
Company Response:
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, Midland Funding was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. On XX/XX/XXXX, I received a response from Midland Funding regarding my request for debt verification. Within the response from Midland Funding it provided a letter from " XXXX XXXX '', the alleged original debtor '', that " Midland Funding, LLC. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " XXXX XXXX '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information. In addition to the letter from the alleged original creditor, Midland Funding LLC., also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that Midland Funding does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that Midland Funding created the letter aforementioned on their own behalf. I investigated a " XXXX XXXX '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " XXXX XXXX XXXX '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that Midland Funding LLC. consider this complaint and agree to the fair resolution requested.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This letter will again ask that you Validate this debt and follow the FDCPA and provide the following : I do mean ALL, validations of alleged debt. ( Validation of Debt ) - Proof of your right to own/collect this alleged debt. - Balance claimed including all fees, interest and penalties. - Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). - License proof to collect debts in MY state. - License proof to collect debts in YOUR state. - A credit agreement signed by me and original creditor. - Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. - Copy of my NYS Photo ID which is required to open this type of account. - Copy of my Social Security # which is required to open this type of account. - Proof from whatever shipping service that was used to provide alleged merchandise or items bearing my signature saying delivered to my address. As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense when I summons you to court or take action against you and your company. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. You are governed by this Act. All communication with me including phone calls to my home or business must stop immediately. All negative remarks and comments must be REMOVED from my credit report IMMEDIATELY. The only communication you may have with me is to provide proof of all items requested above and that all accounts and negative remarks and comments has been removed from my credit report.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Currently I have been reporting fraud on my XXXX XXXX account. I keep being charged by Midland Credit Management on Behalf Of XXXX XXXX, XXXX & XXXX. I have never opened any type of account with either Company, I did report this many times to XXXX And XXXX XXXX Many... Many Times but they keep putting this back on and deleting stuff that I actually owe They recently took XXXX off my Account When I actually do own that account I personally walked in and opened that XXXX account to start my Credit when I was younger I only stayed XXXX because I was letting you guys know I had existing accounts that were actually mine with debt and I wasnt complaining about it I dont know who is responsible but they took that the wrong way I Need XXXX Back On My Account Im only reporting fraud On The accounts Midland Credit Management keep bothering me about ( XXXX & XXXX ) which are accounts that were open fraudulently My car was stollen from the front of my house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just found out these accounts were open around XXXX and they have a address in the same city of XXXX on The account that isnt mine I received this info by an employee due to a call I had made to the Midland Credit Management to complain ... I also just received the police report of my car being stolen from the front of my house!
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A